In 2025, the financial revolution in India is going digital faster than ever. With UPI (Unified Payments Interface) becoming the backbone of transactions, many platforms are now offering investment opportunities via UPI — no Demat account needed, no complex paperwork, and no broker in between. These UPI-based investment apps are not only safe but also offer better returns than regular savings accounts. For millennials, students, and working professionals, this is a golden chance to make their money grow passively.
This article explores the best UPI investment apps in India in 2025 that are gaining massive popularity due to their ease of use, zero brokerage features, and safe returns. These apps also help you start small — even with ₹100 — and are fully approved by RBI or SEBI.
Why UPI Investment is the Future
UPI isn’t just a payment gateway anymore. With the integration of financial instruments like fixed deposits (FDs), digital gold, mutual funds, P2P lending, and recurring deposits, UPI is now your direct gateway to financial growth. The best part? You don’t need a Demat account or in-depth stock market knowledge.
Platforms like Groww, Jar, Paytm Money, BharatPe, and ETMoney now allow you to invest directly from your bank using UPI. This means even someone without any investment background can start growing their wealth in minutes.
1. Jar App – Invest Spare Change in Digital Gold
Jar is one of India’s fastest-growing UPI-linked investment apps. Every time you spend using UPI, it automatically rounds off your transaction and invests the spare change into digital gold.
For example, if you spend ₹87, Jar will round it to ₹90 and invest ₹3. It’s a smart, automated, and zero-effort savings tool that creates wealth over time.
Highlights:
- No KYC or Demat needed
- 24K digital gold, stored securely
- Withdraw money anytime into your bank
- Daily, weekly, or monthly saving options
2. BharatPe 12% Club – High Returns on Investment
BharatPe’s “12% Club” is another game-changer. It allows you to lend your money and earn up to 12% annual returns, completely through UPI. You don’t need a credit history or salary slip to join.
The app lends your money to trusted businesses, and you get interest credited every month. It’s one of the safest alternatives to traditional FDs, especially for those who want better returns.
Key Features:
- 100% UPI-based deposit and withdrawal
- Monthly interest payouts
- Auto-reinvest feature
- Backed by RBI-regulated NBFCs
3. ETMoney – Invest in Mutual Funds via UPI
ETMoney is a reliable name in the personal finance space. It now allows zero-commission mutual fund investments via UPI. The app offers personalized recommendations based on your risk profile, goal, and budget.
You can start SIPs as low as ₹100/month, and everything is paperless. ETMoney also provides instant withdrawal in select mutual funds, which adds to its popularity.
Why users love it:
- Tax-saving ELSS options available
- No commission or brokerage
- Quick UPI payments for SIPs and lumpsum
- Advanced tracking and risk assessment tools
4. Paytm Money – Easy UPI-Based Investments
Paytm Money has revolutionized digital investments in India. It lets you invest in stocks, FDs, mutual funds, gold, and NPS through a simple UPI interface.
If you’re not into stock trading, you can choose safer options like digital gold and mutual funds. It also provides 1-click FD investments with partner banks, offering returns up to 7.5%.
Top Features:
- Easy UPI link with Paytm Wallet or bank
- Commission-free investment plans
- Quick FD creation and redemption
- User-friendly dashboard with goal tracking
5. Fi Money – Smart UPI Banking + Investment
Fi is a neo-bank that combines your savings account with investment tools. You get UPI-enabled banking plus options like Mutual Funds, Fixed Deposits, and goal-based savings.
One of the most attractive features of Fi is its “Finterest” system, where you earn rewards and cashback for saving or investing consistently.
Why Fi is unique:
- Smart savings rules
- Auto investment based on goals
- Partnered with RBI-approved banks
- Minimalistic and beginner-friendly interface
Final Thoughts – Who Should Use UPI Investment Apps?
Whether you’re a student, freelancer, working professional, or someone with no knowledge of stock markets, these UPI investment apps are made for you. They’re secure, easy to use, and most importantly, they help you grow your money while keeping complete control in your hands.
If you’re tired of low bank FD returns or afraid to take big investment risks, start small with UPI-based tools. These platforms are designed for 2025’s smart Indian investor — paperless, instant, and mobile-first.
With just ₹100 to start and your UPI ID, you can begin your journey toward financial independence today.
FAQs
1. Are UPI investment apps safe?
Yes, apps like Jar, BharatPe, ETMoney, and Fi partner with SEBI or RBI-regulated institutions for safe investments.
2. Can I withdraw my money anytime?
Most apps allow anytime withdrawals for digital gold and mutual funds. However, FDs may have a lock-in period.
3. How much can I earn?
Returns range from 5% (FDs) to 12% (P2P lending) annually, depending on the app and investment type.
4. Do I need a PAN card or KYC?
Some apps require minimal KYC (like PAN and Aadhaar), but many allow UPI-based micro-investments without full KYC.
UPI investment is not a trend; it’s the future of financial growth in India. With increasing inflation and decreasing bank interest rates, these investment apps give you a smart and flexible way to make your money work harder for you.
So don’t wait. Pick any of these UPI investment apps and start building your passive income portfolio — one rupee at a time.
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